223家 223

　　截至6月底，浙江省正式开业的小贷公司共223家，基本覆盖所有县（市、区）和小城市试点镇，平均注册资本2.04亿元，全国最高，累计贷款4609.22亿元。 By the end of June，Zhejiang province officially opened the small loan companies a total of 223，Basic cover all county（city、area）ShiDianZhen and small cities，Average registered capital of 204 million yuan，The highest in the country，Accumulative total loans 460.922 billion yuan。

　　⊙记者 颜剑 ○编辑 枫林

⊙ reporter YanJian ○ editing bush

　　在试点设立200多家小额贷款公司之后，浙江正着手建立健全对小额贷款公司的监管制度。记者获悉，为加强浙江省小额贷款公司的监督管理，浙江省金融办已起草了《浙江省小额贷款公司监督管理暂行办法》(送审稿)。

In the pilot set up more than 200 home small loans after company，Zhejiang is to establish perfect of microfinance company supervision system。The reporter learns，Zhejiang province in order to strengthen the supervision and administration of small loan companies，Zhejiang financial do has drafted the《Zhejiang small loan company supervision and management interim measures》(SongShenGao)。

　　记者所掌握的监管办法（送审稿）称，对于小额贷款公司的监管将按照“谁组织试点、谁承担监管责任”的要求和“管法人、管内控、管风险”的监管理念，坚持属地监管和联动监管相结合，构建省、市、县三级监管体系。

Reporters have regulatory measures（SongShenGao）says，For small loan companies will be in accordance with the regulation“Who organization pilot、Who does the regulatory responsibility”Requirements and“Tube legal person、Pipe internal control、Tube risk”Concepts of supervision，Adhere to the territorial supervision and linkage combining supervision，Construct province、city、County level 3 supervision system。

　　该办法明确，省金融办为全省小额贷款公司监管部门，各市金融办（上市办）为本行政区域内小额贷款公司监管部门。各县（市、区）政府是小额贷款公司风险防范处置的第一责任人。

This method is clear，Provincial financial do for the small loan company supervision department，Various cities financial do（Listed do）For this administrative region micro-credit company supervision department。counties（city、area）The government is petty loan company risk prevention treatment of the first responsible institution。

　　值得注意的是，今年2月份，浙江省工商局曾出台规定称，小额贷款公司须向工商部门如实申报融资信息。

It is important to note that，In February this year，Zhejiang industrial and commercial bureau has issued regulations said，Small loan company shall truthfully report to the ministry of commerce and finance information。

　　而金融办拟出台的监管办法则只明确，工商部门负责小额贷款公司的注册、变更登记及年检等，依法查处相关违法违规行为。

And financial do quasi on the introduction of the regulatory measures were clear，The ministry of commerce is responsible for the small loan companies registered、Alteration registration and annual inspection, etc，Shall investigate and deal with related illegal behavior。

　　监管办法规定，在对小额贷款公司准入监管的主要内容包括工商登记情况、营业场所、经营团队、运行制度。日常监管则包括贷款投向、融资情况、股权结构及注册资金、经营管理范围、财务管理、信息披露等。

Regulatory measures，In the small loan companies access supervision main contents including industry and commerce registration situation、Place of business、Management team、Operation system。Daily supervision, including loans to、Financing situation、Equity structure and the registered capital、Management scope、Financial management、Information disclosure。

　　是否存在非法吸储行为、账外经营行为、高利放贷行为、财务弄虚作假行为、不法手段收贷行为等成为重点监管内容。

Whether there is illegal XiChu behavior、Concealed management behavior、Usury lending practices、Financial fraud behavior、Illegal means ShouDai behavior become the emphasis on the supervision on the content。

　　在风险处置方面，该办法称，对于因经营管理不善而导致小额贷款公司出现重大风险的，可由县（市、区）政府组织实力强、经营规范的优秀小额贷款公司或当地优质民营骨干企业通过收购兼并等方式妥善处置风险。

In risk disposal aspects，This method is called，For because of management not to be pooh-poohed small loan companies appear significant risk，But by the county（city、area）Government organization strength、The excellent management regulations of the small loan companies or local quality private backbone enterprise through merger and acquisition means such as proper disposal risk。

　　而对于发生重大违法违规行为且限期未整改的小额贷款公司，设区市监管部门应督促各县（市、区）通过股权转让、责令停业整顿、由其他优秀小额贷款公司托管、按市场化原则兼并重组等方式及时处置风险。

And to produce great illegal behavior and deadline rectification is not the small loan companies，Districts and cities supervision department should supervise the counties（city、area）Through the equity transfer、Shall be ordered to suspend business、By other excellent micro-credit company managed、According to market principles such as timely disposal way annexation and reorganization risk。

　　对违法违规行为涉及重点监管内容或无法采取上述措施的，由当地政府报经省级监管部门批准后，可采取实施清算、破产、撤销试点资格、提请吊销营业执照等市场退出措施，有关案件移送有关部门或司法机关依法查处。

To illegal behavior involves the emphasis on the supervision on the content or unable to take the above measures，The local government submitted to the provincial supervision department after approval，Can adopt implementation liquidation、bankruptcy、Revoked pilot qualifications、Request may revoke its business license and withdrawing from the market measures，The case to the relevant departments or judicial organs shall investigate and deal with。

　　统计显示，截至6月底，浙江省正式开业的小贷公司共223家，基本覆盖所有县（市、区）和小城市试点镇，平均注册资本2.04亿元，全国最高；累计贷款4609.22亿元，其中种植养殖业及100万元以下的贷款占57.2%，总体不良贷款率为0.89%，没有因小贷公司引发的金融突发事件。

Statistics show that，By the end of June，Zhejiang province officially opened the small loan companies a total of 223，Basic cover all county（city、area）ShiDianZhen and small cities，Average registered capital of 204 million yuan，The highest in the country；Accumulative total loans 460.922 billion yuan，The planting breeding and 1 million yuan of the following loans accounted for 57.2%，Overall bad loans is 0.89%，Not because of the little credit company cause financial emergencies。